The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$97,700
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,739
−HK$3,087/mo
Today · 4.125%
HK$103,826
baseline
▲ 0.50% · 4.625%
HK$110,144
+HK$6,318/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,652/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,690
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,605
−HK$2,957/mo
Today · 4.125%
HK$114,562
baseline
▲ 0.50% · 4.625%
HK$120,601
+HK$6,039/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,124/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,240
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$120,887
−HK$3,705/mo
Today · 4.125%
HK$124,592
baseline
▲ 0.50% · 4.625%
HK$132,173
+HK$7,581/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$249,184/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,428
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,926
−HK$3,549/mo
Today · 4.125%
HK$137,475
baseline
▲ 0.50% · 4.625%
HK$144,721
+HK$7,246/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$274,950/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,780
−HK$8,577/mo
▼ 0.25% · 3.875%
HK$141,034
−HK$4,323/mo
Today · 4.125%
HK$145,357
baseline
▲ 0.50% · 4.625%
HK$154,202
+HK$8,845/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$290,714/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,166
−HK$8,221/mo
▼ 0.25% · 3.875%
HK$156,247
−HK$4,140/mo
Today · 4.125%
HK$160,387
baseline
▲ 0.50% · 4.625%
HK$168,841
+HK$8,454/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$320,774/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,860
−HK$11,028/mo
▼ 0.25% · 3.875%
HK$181,330
−HK$5,558/mo
Today · 4.125%
HK$186,888
baseline
▲ 0.50% · 4.625%
HK$198,259
+HK$11,371/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$373,776/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,820,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,642
−HK$10,570/mo
▼ 0.25% · 3.875%
HK$200,889
−HK$5,323/mo
Today · 4.125%
HK$206,212
baseline
▲ 0.50% · 4.625%
HK$217,082
+HK$10,870/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$412,424/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,820,954 · Scale 2, in force from 26 Feb 2026)